FIRE calculator

Adjust the inputs and the results update live. Everything is in today’s dollars because we use a real (inflation-adjusted) return, so you don’t have to mentally discount the future.

Current age

Invested assets ($)

Annual savings ($/yr)

Annual spending in retirement ($/yr)

Real return (%/yr)

Safe withdrawal rate (%)

Your FIRE number —

Years to financial independence —

You reach FI around age —

How it works

• Your FIRE number is annual spending ÷ withdrawal rate. At a 4% rate that’s the classic 25× spending. Lower the rate for a longer, safer retirement.
• Years to FI projects your invested assets forward each year, applying the real return and adding your annual savings, until the balance reaches your FIRE number.

What it deliberately leaves out

This is a planning teaser, not a financial plan. A real projection also accounts for:

• Taxes — RRSP/RRIF withdrawals are fully taxable, TFSA is tax-free, and the account mix changes how much you actually need.
• Sequence-of-returns risk — see Your FIRE number.
• CPP and OAS, employer pensions, and one-off events like an inheritance or home sale.
• Variable spending across phases of life.

Treat the output as a directional check, not a green light to hand in your notice. When you’re ready to pressure-test it for real, book a call.